ANNISTON - OXFORD Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Anniston - Oxford averaged
7.13%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.06% and
one month ago for the week of 2025-05-15, the
average rate was 6.93%.
Anniston - Oxford's average rate one year ago was 6.87%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.21%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Anniston - Oxford 30 Year Fixed Rate | 2025-06-18 | 7.13% |
| Anniston - Oxford 30 Year Fixed Rate Refi | 2025-06-18 | 7.21% |
| Anniston - Oxford 15 Year Fixed Rate | 2025-06-18 | 6.06% |
| Anniston - Oxford 15 Year Fixed Rate Refi | 2025-06-18 | 6.16% |
| Anniston - Oxford 30 Year FHA | 2025-06-18 | 0.11% |
| Anniston - Oxford 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Anniston - Oxford 30 Year USDA | 2025-06-18 | -0.29% |
| Anniston - Oxford 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Anniston - Oxford 30 Year VA | 2025-06-18 | 0.35% |
| Anniston - Oxford 30 Year VA Refi | 2025-06-18 | -0.2% |
ANNISTON - OXFORD Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the ANNISTON-OXFORD, AL market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
ANNISTON - OXFORD Average Closing Costs & Other Stats
ANNISTON-OXFORD, AL's 87 lenders originated 1,910
loans during 2024. The total origination value was $313,980,000, with an average loan value of
$164,387.
ANNISTON - OXFORD's average closing costs are $4,899.
The top ANNISTON - OXFORD lender as defined by loan originations is QUICKEN LOANS, LLC, with
55 loans originated. Their average total fees are
$5,983, which is $224
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee ANNISTON - OXFORD lenders (with over 10 loans originated) are
AOD Federal Credit Union ($3,508), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($3,872), FIRST COMMUNITY MORTGAGE, INC. ($4,639), ATLANTIC BAY MORTGAGE GROUP, L.L.C. ($5,019) and SouthPoint Bank ($5,472).
The lowest rate ANNISTON - OXFORD lenders (with over 10 loans originated) are
Ameris Bank (6.48%), FIRST COMMUNITY MORTGAGE, INC. (6.56%), SouthPoint Bank (6.63%), UNITED WHOLESALE MORTGAGE, LLC (6.69%) and QUICKEN LOANS, LLC (6.80%).
ANNISTON-OXFORD, AL Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Ameris Bank | $16,455,000 | $25,025,000 | 52.1% | 8.0% |
| QUICKEN LOANS, LLC | $20,485,000 | $23,595,000 | 15.2% | 7.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $15,300,000 | $21,885,000 | 43.0% | 7.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $25,530,000 | $13,210,000 | -48.3% | 4.2% |
| Community Bank of Mississippi | $105,000 | $11,720,000 | 11,061.9% | 3.7% |
| Regions Bank | $9,115,000 | $11,135,000 | 22.2% | 3.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $10,780,000 | $10,720,000 | -0.6% | 3.4% |
| Mortgage Research Center, LLC | $11,435,000 | $9,800,000 | -14.3% | 3.1% |
| SouthPoint Bank | $9,655,000 | $9,420,000 | -2.4% | 3.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $6,060,000 | $7,445,000 | 22.9% | 2.4% |
| ACOPIA, LLC | $2,605,000 | $5,695,000 | 118.6% | 1.8% |
| TOWNE MORTGAGE COMPANY | $5,555,000 | n/a | 1.8% | |
| FREEDOM MORTGAGE CORPORATION | $2,965,000 | $5,525,000 | 86.3% | 1.8% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $5,160,000 | $5,330,000 | 3.3% | 1.7% |
| PENNYMAC LOAN SERVICES, LLC | $1,485,000 | $5,100,000 | 243.4% | 1.6% |
| ALABAMA TEACHERS | $4,875,000 | $4,620,000 | -5.2% | 1.5% |
| Farmers & Merchants Bank | $3,075,000 | $4,270,000 | 38.9% | 1.4% |
| First Federal Bank, A FSB | $2,470,000 | $4,105,000 | 66.2% | 1.3% |
| SOUTHWEST FUNDING, LP | $4,065,000 | n/a | 1.3% | |
| STOCKTON MORTGAGE CORPORATION | $365,000 | $4,045,000 | 1,008.2% | 1.3% |
| FIRST COMMUNITY MORTGAGE, INC. | $4,510,000 | $4,030,000 | -10.6% | 1.3% |
| GUILD MORTGAGE COMPANY | $6,450,000 | $3,855,000 | -40.2% | 1.2% |
| First Bank of Alabama | $3,145,000 | $3,800,000 | 20.8% | 1.2% |
| NobleBank & Trust | $4,060,000 | $3,780,000 | -6.9% | 1.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,590,000 | $3,615,000 | 39.6% | 1.2% |
| 21ST MORTGAGE CORPORATION | $3,005,000 | $3,045,000 | 1.3% | 1.0% |
| NAVY FEDERAL CREDIT UNION | $1,200,000 | $2,990,000 | 149.2% | 1.0% |
| NEWREZ LLC | $855,000 | $2,955,000 | 245.6% | 0.9% |
| Metro Bank | $2,460,000 | $2,895,000 | 17.7% | 0.9% |
| Truist | $2,650,000 | $2,860,000 | 7.9% | 0.9% |
| AOD Federal Credit Union | $4,300,000 | $2,805,000 | -34.8% | 0.9% |
| NEW DAY FINANCIAL, LLC | $1,935,000 | $2,580,000 | 33.3% | 0.8% |
| Renasant Bank | $2,135,000 | $2,475,000 | 15.9% | 0.8% |
| HUNT MORTGAGE CORPORATION | $3,260,000 | $2,415,000 | -25.9% | 0.8% |
| U.S. Bank | $645,000 | $2,260,000 | 250.4% | 0.7% |
| AlaTrust Credit Union | $1,540,000 | $2,100,000 | 36.4% | 0.7% |
| LOANDEPOT.COM, LLC | $2,635,000 | $2,015,000 | -23.5% | 0.6% |
| AMERICA'S FIRST | $3,515,000 | $1,960,000 | -44.2% | 0.6% |
| LAKEVIEW LOAN SERVICING, LLC | $320,000 | $1,705,000 | 432.8% | 0.5% |
| AMERISAVE MORTGAGE CORPORATION | $1,830,000 | $1,600,000 | -12.6% | 0.5% |
| MORTGAGE INVESTORS GROUP, INC. | $3,495,000 | $1,585,000 | -54.6% | 0.5% |
| FirstBank | $510,000 | $1,580,000 | 209.8% | 0.5% |
| PNC Bank | $2,745,000 | $1,500,000 | -45.4% | 0.5% |
| Wells Fargo Bank | $2,120,000 | $1,330,000 | -37.3% | 0.4% |
| TRIAD FINANCIAL SERVICES, INC. | $1,235,000 | $1,315,000 | 6.5% | 0.4% |
| Investar Bank | $2,045,000 | $1,310,000 | -35.9% | 0.4% |
| First South Farm Credit, ACA | $1,290,000 | n/a | 0.4% | |
| Equity Prime Mortgage LLC | $1,230,000 | $1,265,000 | 2.8% | 0.4% |
| HONDA Federal Credit Union | $960,000 | $1,250,000 | 30.2% | 0.4% |
| USAA Federal Savings Bank | $1,495,000 | $1,245,000 | -16.7% | 0.4% |
| CANOPY MORTGAGE, LLC | $95,000 | $1,220,000 | 1,184.2% | 0.4% |
| MOVEMENT MORTGAGE, LLC | $1,450,000 | $1,135,000 | -21.7% | 0.4% |
| Plains Commerce Bank | $1,015,000 | $1,070,000 | 5.4% | 0.3% |
| BROKER SOLUTIONS, INC. | $1,760,000 | $1,035,000 | -41.2% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $300,000 | $1,035,000 | 245.0% | 0.3% |
| BAYSHORE MORTGAGE FUNDING, LLC | $200,000 | $950,000 | 375.0% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $500,000 | $940,000 | 88.0% | 0.3% |
| UNION HOME MORTGAGE CORP. | $940,000 | n/a | 0.3% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $320,000 | $930,000 | 190.6% | 0.3% |
| Bank of America | $380,000 | $875,000 | 130.3% | 0.3% |
| THE MORTGAGE FIRM, INC. | $135,000 | $870,000 | 544.4% | 0.3% |
| FAMILY SAVINGS | $500,000 | $860,000 | 72.0% | 0.3% |
| AmeriHome Mortgage Company, LLC | $825,000 | n/a | 0.3% | |
| Magnolia Bank | $825,000 | n/a | 0.3% | |
| Consumer First Mortgage, Inc. | $125,000 | $815,000 | 552.0% | 0.3% |
| Figure Lending LLC | $240,000 | $785,000 | 227.1% | 0.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $205,000 | $740,000 | 261.0% | 0.2% |
| Discover Bank | $585,000 | $730,000 | 24.8% | 0.2% |
| The Federal Savings Bank | $1,025,000 | $715,000 | -30.2% | 0.2% |
| GUARANTEED RATE, INC. | $335,000 | $710,000 | 111.9% | 0.2% |
| PLANET HOME LENDING, LLC | $695,000 | n/a | 0.2% | |
| JPMorgan Chase Bank | $775,000 | $675,000 | -12.9% | 0.2% |
| A&D Mortgage LLC | $650,000 | n/a | 0.2% | |
| GMFS LLC | $610,000 | n/a | 0.2% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $865,000 | $580,000 | -32.9% | 0.2% |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $580,000 | n/a | 0.2% | |
| Barrington Bank & Trust Company, N.A. | $420,000 | $575,000 | 36.9% | 0.2% |
| PHH Mortgage Corporation | $555,000 | n/a | 0.2% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $495,000 | n/a | 0.2% | |
| Hamilton Mortgage Corporation | $205,000 | $490,000 | 139.0% | 0.2% |
| CSL Financial, LLC | $220,000 | $480,000 | 118.2% | 0.2% |
| Carrington Mortgage Services, LLC | $435,000 | $455,000 | 4.6% | 0.1% |
| The Loan Store, Inc. | $270,000 | $445,000 | 64.8% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $440,000 | n/a | 0.1% | |
| M&T Bank | $75,000 | $435,000 | 480.0% | 0.1% |
| CMG MORTGAGE, INC. | $2,180,000 | $430,000 | -80.3% | 0.1% |
| First Federal Bank | $225,000 | $425,000 | 88.9% | 0.1% |
| INTERCAP LENDING INC. | $145,000 | $425,000 | 193.1% | 0.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $125,000 | $415,000 | 232.0% | 0.1% |
| Old National Bank | $415,000 | n/a | 0.1% | |
| AVADIAN | $400,000 | $410,000 | 2.5% | 0.1% |
| REDSTONE Federal Credit Union | $175,000 | $395,000 | 125.7% | 0.1% |
| Valley National Bank | $155,000 | $385,000 | 148.4% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $240,000 | $380,000 | 58.3% | 0.1% |
| CARDINAL FINANCIAL | $245,000 | $370,000 | 51.0% | 0.1% |
| MORIA DEVELOPMENT, INC. | $370,000 | n/a | 0.1% | |
| Trustmark National Bank | $1,150,000 | $370,000 | -67.8% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $135,000 | $365,000 | 170.4% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $355,000 | $330,000 | -7.0% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $330,000 | n/a | 0.1% | |
| Southern States Bank | $125,000 | $320,000 | 156.0% | 0.1% |
| Liberty Mortgage Corporation | $195,000 | $315,000 | 61.5% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $195,000 | $310,000 | 59.0% | 0.1% |
| Synovus Bank | $310,000 | $305,000 | -1.6% | 0.1% |
| EVERETT FINANCIAL, INC. | $450,000 | $300,000 | -33.3% | 0.1% |
| Flagstar Bank, FSB | $710,000 | $300,000 | -57.7% | 0.1% |
| DIRECT LENDERS, LLC | $290,000 | n/a | 0.1% | |
| United Community Bank | $45,000 | $285,000 | 533.3% | 0.1% |
| ZILLOW HOME LOANS, LLC | $580,000 | $285,000 | -50.9% | 0.1% |
| Coastal Community Bank | $45,000 | $280,000 | 522.2% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $690,000 | $280,000 | -59.4% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $275,000 | n/a | 0.1% | |
| Peoples Independent Bank | $270,000 | n/a | 0.1% | |
| ALLIED MORTGAGE GROUP, INC. | $265,000 | n/a | 0.1% | |
| ARC HOME LLC | $255,000 | n/a | 0.1% | |
| River Bank & Trust | $1,810,000 | $255,000 | -85.9% | 0.1% |
| OCMBC, INC. | $245,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $230,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $435,000 | $225,000 | -48.3% | 0.1% |
| MICHIGAN MUTUAL, INC. | $225,000 | n/a | 0.1% | |
| Assurance Financial Group, L.L.C. | $830,000 | $215,000 | -74.1% | 0.1% |
| Bank of England | $215,000 | n/a | 0.1% | |
| Mortgage Assurance Inc. | $215,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $545,000 | $215,000 | -60.6% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $210,000 | n/a | 0.1% | |
| Credence Funding Corporation | $205,000 | n/a | 0.1% | |
| MILEND, INC. | $405,000 | $205,000 | -49.4% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $205,000 | n/a | 0.1% | |
| NexBank | $205,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $205,000 | n/a | 0.1% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $195,000 | n/a | 0.1% | |
| First Bank | $195,000 | n/a | 0.1% | |
| First National Bank of America | $180,000 | $195,000 | 8.3% | 0.1% |
| Tyndall Federal Credit Union | $460,000 | $195,000 | -57.6% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $160,000 | $190,000 | 18.8% | 0.1% |
| Republic State Mortgage Co. | $185,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $185,000 | n/a | 0.1% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $95,000 | $175,000 | 84.2% | 0.1% |
| Charles Schwab Bank, SSB | $175,000 | n/a | 0.1% | |
| Cornerstone First Mortgage, Inc | $175,000 | n/a | 0.1% | |
| Ixonia Bank | $175,000 | n/a | 0.1% | |
| PREMIER LENDING, INC. | $170,000 | n/a | 0.1% | |
| DELTA COMMUNITY CREDIT UNION | $165,000 | n/a | 0.1% | |
| DOMINION FINANCIAL SERVICES, LLC | $165,000 | n/a | 0.1% | |
| MLB RESIDENTIAL LENDING, LLC | $165,000 | n/a | 0.1% | |
| Quontic Bank | $165,000 | n/a | 0.1% | |
| Troy Bank and Trust Company | $165,000 | n/a | 0.1% | |
| EMM LOANS LLC | $550,000 | $155,000 | -71.8% | 0.0% |
| NJ LENDERS CORP. | $155,000 | n/a | 0.0% | |
| LENDINGONE, LLC | $150,000 | n/a | 0.0% | |
| Commercial Banking Company | $145,000 | n/a | 0.0% | |
| TOTAL MORTGAGE SERVICES, LLC | $145,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $145,000 | n/a | 0.0% | |
| Heritage South Credit Union | $125,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $125,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $970,000 | $115,000 | -88.1% | 0.0% |
| Metro City Bank | $115,000 | $115,000 | 0.0% | 0.0% |
| South State Bank | $155,000 | $115,000 | -25.8% | 0.0% |
| American Airlines Federal Credit Union | $105,000 | n/a | 0.0% | |
| Capital City Home Loans, LLC | $225,000 | $105,000 | -53.3% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $185,000 | $105,000 | -43.2% | 0.0% |
| FOUNDERS FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $95,000 | n/a | 0.0% | |
| CIS Financial Services, Inc. | $95,000 | n/a | 0.0% | |
| Citizens Bank | $1,160,000 | $95,000 | -91.8% | 0.0% |
| Directions Credit Union, Inc. | $95,000 | n/a | 0.0% | |
| APCO EMPLOYEES | $155,000 | $90,000 | -41.9% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $85,000 | n/a | 0.0% | |
| Northpointe Bank | $85,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $85,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $125,000 | $75,000 | -40.0% | 0.0% |
| VAN DYK MORTGAGE CORPORATION | $75,000 | n/a | 0.0% | |
| ALL IN | $1,630,000 | $70,000 | -95.7% | 0.0% |
| EASTMAN | $65,000 | n/a | 0.0% | |
| Fifth Third Bank | $65,000 | n/a | 0.0% | |
| MAX Credit Union | $65,000 | $55,000 | -15.4% | 0.0% |
| The Huntington National Bank | $55,000 | n/a | 0.0% | |
| BancorpSouth | $1,460,000 | $45,000 | -96.9% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $35,000 | n/a | 0.0% |
ANNISTON - OXFORD's top lender by overall market share is Ameris Bank, with 8.0% market share. In second place, with 7.5%, is QUICKEN LOANS, LLC, having originated $23,595,000 in loans. In third place, with 7.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $21,885,000 in loans. In fourth place, with 4.2%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $13,210,000 in loans. In fifth place, with 3.7%, is Community Bank of Mississippi, having originated $11,720,000 in loans.
ANNISTON-OXFORD, AL Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,148 | $215,420,000 | $187,648 |
| Cash Out Refi | 250 | $37,510,000 | $150,040 |
| Refi | 235 | $40,635,000 | $172,915 |
| Other | 153 | $10,845,000 | $70,882 |
| Home Improvement | 124 | $9,570,000 | $77,177 |
Anniston - Oxford's most frequently cited loan purpose was Home Purchase, with 1,148 originations. The 2nd most popular reason was Cash Out Refi, with 250 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 782 | $141,880,000 | $181,432 |
| 7-8% | 342 | $64,280,000 | $187,953 |
| Over 8% | 313 | $27,015,000 | $86,310 |
| 5-6% | 311 | $56,135,000 | $180,498 |
| 4-5% | 33 | $4,175,000 | $126,515 |
| 3-4% | 5 | $775,000 | $155,000 |
| <2.5% | 3 | $185,000 | $61,667 |
| 2.5-3% | 2 | $280,000 | $140,000 |
During 2024, Anniston - Oxford's most frequently originated rate bucket was 6-7%, with 782 originations.
Loan Sizing (ANNISTON-OXFORD, AL MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 762 | $113,600,000 | $149,081 |
| $100,000 or less | 610 | $33,950,000 | $55,656 |
| $200k-400k | 483 | $125,955,000 | $260,776 |
| $400k-600k | 44 | $20,010,000 | $454,773 |
| $600k-1000k | 8 | $5,810,000 | $726,250 |
| $Over $1MM | 3 | $14,655,000 | $4,885,000 |
ANNISTON - OXFORD's loan sizing saw the bucket of loans from $100k-200k with 762 originations, totaling $113,600,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 934 | $180,340,000 | $193,084 |
| 60-80% | 276 | $58,400,000 | $211,594 |
| 20-40% | 190 | $14,270,000 | $75,105 |
| Under 20% | 177 | $5,635,000 | $31,836 |
| 40-60% | 127 | $16,345,000 | $128,701 |
| Over 100% | 55 | $13,465,000 | $244,818 |
ANNISTON - OXFORD's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 934 originations, totaling $180,340,000 in origination value.